Annual Report 2012

Notes to the financial statements(Expressed in millions of RMB, unless otherwise stated)63 Risk Management (continued)(3) Liquidity risk (continued)(b) Contractual undiscounted cash flow (continued)Bank2012CarryingamountGross cashoutflowRepayableon demandWithinone monthBetweenonemonthand threemonthsBetweenthreemonthsand oneyearBetweenoneyearand fiveyearsMore thanfive yearsNon-derivative financial liabilitiesBorrowings from central banks 6,169 6,186 – 1,691 2,422 2,073 – –Deposits and placements from banks andnon-bank financial institutions 1,058,137 1,069,171 433,775 474,597 47,609 102,666 10,524 –Financial liabilities at fair value throughprofit or loss 34,533 34,628 17,282 9,424 6,300 1,622 – –Financial assets sold under repurchaseagreements 891 896 – 339 385 172 – –Deposits from customers 11,250,000 11,549,328 5,867,374 1,025,093 1,035,105 2,411,301 1,197,587 12,868Debt securities issued– Certificates of deposit issued 84,195 84,948 – 10,365 27,724 41,800 4,409 650– Bonds issued 995 1,064 – – – 32 1,032 –– Subordinated bonds issued 159,834 219,300 – – 1,504 5,972 49,756 162,068Other financial liabilities 50,167 50,167 48,836 164 126 535 – 506Total 12,644,921 13,015,688 6,367,267 1,521,673 1,121,175 2,566,173 1,263,308 176,092Off-balance sheet loan commitments andcredit card commitments (Note) 755,435 595,291 35,593 24,544 65,473 30,789 3,745Guarantees, acceptances and othercredit commitments (Note) 1,233,273 – 272,557 239,686 424,312 233,911 62,8072011CarryingamountGross cashoutflowRepayableon demandWithinone monthBetweenonemonthand threemonthsBetweenthreemonthsand oneyearBetweenoneyearand fiveyearsMore thanfive yearsNon-derivative financial liabilitiesBorrowings from central banks 2,210 2,210 2,210 – – – – –Deposits and placements from banks andnon-bank financial institutions 1,015,687 1,036,867 447,688 323,783 148,369 36,736 80,291 –Financial liabilities at fair value throughprofit or loss 30,966 30,993 12,682 8,476 3,192 6,614 – 29Financial assets sold under repurchaseagreements 11,594 11,779 – 3,189 7,630 960 – –Deposits from customers 9,906,093 10,119,604 5,382,466 827,734 888,559 2,207,347 800,974 12,524Debt securities issued– Certificates of deposit issued 38,189 38,766 – 5,721 9,199 15,681 7,239 926– Subordinated bonds issued 119,861 164,820 – – 1,504 3,976 42,488 116,852Other financial liabilities 44,024 44,024 40,341 139 149 2,887 – 508Total 11,168,624 11,449,063 5,885,387 1,169,042 1,058,602 2,274,201 930,992 130,839Off-balance sheet loan commitments andcredit card commitments (Note) 718,317 557,208 29,473 25,051 74,233 30,359 1,993Guarantees, acceptances andother credit commitments(Note) 1,238,467 – 251,967 259,571 405,377 226,265 95,287Note:The off-balance sheet loan commitments and credit card commitments may expire without being drawn upon. Guarantees, acceptances and other credit commitments do notrepresent the amount to be paid.China Construction Bank Corporation annual report 2012199